I think the "not availible in N.Ireland" is due to the huge amounts of personal injury claims. Seems if someone scuffs your wing mirror here they claim for whiplash! My insurance (including the missus) is only £580 but I'm 32 and the car is only group 10 - no turbo.
Due to not taking out protected NCD, I now pay £1995 p.a., 27,SP30 3 points, CD10 from 3 years ago, and 2 previous SP30 from 4 years ago. That's compared with the £850 p.a. I previously paid with 2 years NCD.
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